Side-by-side · Q2 2026 data
Datcu Credit Union vs Baylor Health Care System Credit Union
Credit union
Baylor Health Care System Credit Union
Dallas, Texas · Under $100 million in assets
Metric by metric
| Measure | Datcu Credit Union | Baylor Health Care System Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 96 (stronger) | 49 |
| Earnings | 83 (stronger) | 46 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 97th | 54th |
| Total assets | $1.8B | $80.6M |
| Deposits / shares | $1.5B | $62.0M |
| Capital ratio | 17.19% | 21.91% (stronger) |
| Problem loans | 0.13% (stronger) | 1.54% |
| Net charge-offs | 0.69% | 0.53% (stronger) |
| Return on assets | 1.57% (stronger) | 0.66% |
| Loans ÷ deposits | 105.5% | 53.6% (stronger) |
| Uninsured deposits | 5.0% | 3.9% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Datcu Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Datcu Credit Union leads on 3 and Baylor Health Care System Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.